Tz49mf D 0425(afti)

The Tz49mf D 0425(afti) filing from First National Bank sets out a 29.9% purchase APR and a $49 annual fee. The purchase rate sits at roughly the 72nd percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

Tz49mf D 0425(afti) is one of the agreements First National Bank has on file with the CFPB. The filing runs five pages, and It is issued on the Visa network.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. It is silent on a balance transfer rate, a penalty rate and a foreign transaction fee.

The purchase rate in context

Ranked against the corpus, this purchase APR — 29.9% — sits at approximately the 72nd percentile and sits in the more expensive half.

Translating the rate into money

Carry $1,000 on this card for a year without paying it down and the purchase rate alone generates roughly $348 in interest.

A card priced at the corpus median of 21.99% would charge roughly $246 on that balance. This one charges about $102 more per year.

Per statement cycle that is on the order of $24.87 on $1,000, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

The annual fee is $49, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 87th percentile.

Cash advances carry a cash advance fee of 2% and a cash advance APR of 29.9%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What a missed payment costs

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

How it sits in the issuer's own range

There are 10 filings from First National Bank in this index. The issuer's own range is 18.4%–29.9%. At 29.9%, this agreement is dearer than 2 of its siblings.

What the filing does not tell you

This page cannot tell you balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Reading the agreement yourself

Everything here is a reading of the filed agreement, five pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 29.9% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The $49 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.